The dividend rates and yields set forth above are accurate as of
the date indicated on this document. If you wish to obtain current
rate information, please call the credit union. The Annual
Percentage Yield (APY) is a dividend rate reflecting the
total amount of dividends paid on an account, based on a dividend
rate and the frequency of compounding for a 365 day period. Normally,
no notice of intent to withdraw shares is required. However,
the bylaws of Big Thompson Federal Credit Union give the credit union
the authority to require notice of up to sixty (60) days for withdrawal
of shares.

NOTICE: See Member Service Guide for additional Truth-in Savings disclosures
and account information.

Deposit
Rates

Investment Options
These instruments are variable rate and may be changed at any time, in any amount
at the discretion of Big Thompson Federal Credit Union. The dividend rate
and Annual Percentage Yield(APY*) are
the prospective rates and yields that the credit union anticipates paying
for the applicable dividend period.